we are not out of line for affordability, but, of course, the less expensive, the better, for consumers. >> -- commissioner: does this include the fact that deferred work was not included? >> that is correct. commissioner: it would look different than if the deferred work or included? >> that is correct. and it changes if you combine the water bill in the sewer bill. there, in the u.s. epa affordability index says those two added together, usually, you want them to be below 4% if they are added together, and you see here, once you look at what our total bill would be for water and waste water over the period, we are still significantly below the 4% threshold or limit, but, of course, always less expensive is better for our customers.